Wholesalers Insurance

Whether your wholesale business is a specialist – from fashion to food, and furniture to plumbing – or a multi-sector distributor, we can help you find tailored insurance cover quickly.

Get a fast, no obligation quote today 0330 134 4564 Get a quote

Wholesalers Insurance

Whether your wholesale business is a specialist – from fashion to food, and furniture to plumbing – or a multi-sector distributor, we can help you find tailored insurance cover quickly, and without fuss.

As an insurance broker we have access to a range of cover features, from a variety of insurance providers – therefore we search on your behalf so you get the protection you need.

Why Wholesale Insurance is Important

Wholesale businesses are vital parts of the supply chain. All types of businesses – from fashion retailers to furniture stores, plumber merchants to food retailers – rely on wholesale for stock, when they need it. The failure to deliver on time every time, whatever the cause, inevitably has serious consequences for those further down the chain – as a result, reputational damage and loss of custom is likely to happen next.

But so many issues can affect day-to-day operations – serious incidents affecting storage and distribution, utility failure and so on. That’s why ensuring you have effective wholesalers' insurance in place is so crucial. Peace of mind is knowing you have all those risks covered – so your business and your reputation are protected if something goes wrong.

Those risks don’t end with property and logistics of course.  There are people risks to consider too – injuries to staff or visitors on site – damage to stock, vehicles, goods in transit, legal expenses and book debts too. The list goes on.

The right commercial combined wholesale insurance can cover all these risks and more – with one main exception being goods imported from the Far East without a rights of recourse agreement with the company abroad. But doing it yourself can be time consuming and risky if you don’t know exactly what you need or understand the finer details of the cover being offered. Peace of mind comes from calling on experts who are able to guide you to the right cover, at the right price.

Optional Covers

  • Property damage.

  • Legal expenses.

  • Business interruption.

  • Book debts.

  • Money

  • Goods in transit.

  • Specified all risks.

  • Public liability.

  • Products liability.

  • Employers liability.

  • Personal accident.

  • Theft by employee.

  • Deterioration of refrigerated stock.

  • Equipment breakdown.

  • Terrorism.

  • Product recall.

  • Marine cargo.

  • Engineering inspection.

  • Group personal accident and travel.

  • Directors and officers insurance.

  • Professional indemnity.

  • Fleet.

  • Stock throughput (items insured at a third party premises).

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

About the Wholesale Industry

There are currently just under 104,000[1] wholesale businesses in a trade sector that is vital to every aspect of normal life in the UK[2].  Wholesalers equip the supply chain with a huge variety of products, from consumer goods like food and drink, fashion and footwear, furniture and household goods, to industrial supplies from business in sectors from agriculture to plumbing[3].

Employing nearly 60,000 people, this is an industry that turns over almost £30 billion every year. It supplies and supports hundreds of thousands of businesses down the supply chain – in food and drink alone, 400,000 businesses rely on support from wholesalers[2].

The wholesale trade is a big part of the UK’s employment market too. For instance, food and drink wholesaling supports 537,000 retail jobs in the wider market, and 569,000 in the food industry[2].

That said, the industry is undergoing significant change driven, as in most areas of life, by technology. This “digital transformation”[4] is already well underway, with “Internet of Things” technology, including internet connected automatic sensors to track stock levels, orders, and shipments to the fore[5].

Quite simply, supply chains now need to run faster and more reliably, and be more adaptable, and many argue that technology change will go a long way to helping wholesalers meet that need[4].

Of course, with change comes new risk. So familiar insurance covers for property and liability may increasingly need to be paired with covers designed to help protect against technology risks.

Get a Wholesalers Insurance Quote

At smei, we make buying wholesalers' insurance as easy as 1, 2, 3. We’ll help you work out what cover you need and do the leg work to gather quotes, to help you find the insurance cover you need, at the right price – quickly and without fuss. Contact us to find out more.


Terms and conditions

[1] statista.com/wholesalers-number-of-enterprises-in-the-united-kingdom-uk
[2] fwd.co.uk/wholesale-facts-and-figures
[3] ons.gov.uk/analysisofwholesaleandretail
[4] salmon.com/whitepaper_wholesale_en_salmon.pdf
[5] netsuiteblogs.com/the-new-reality-of-iot-for-distributors-and-manufacturers

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 


We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.


You will need to contact us quoting your policy number and we can then amend your details. Please note that the change of premises may affect the cost of your insurance.


Details on how to make a claim can be found in your policy documentation, however please feel free to contact us on 0330 134 4602 if you have any queries or would like some assistance.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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